Terms of Service

Effective Date: December 26, 2025

1. Acceptance of Terms

By accessing or using the Success Central website at successcentral.com (the “Site”) and any related services, applications, or content (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and any other policies or guidelines referenced herein.

If you do not agree to all the terms and conditions of this agreement, you may not access or use our Services. These Terms constitute a legally binding agreement between you and Success Central.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Provide notice via email or a prominent notice on our Site (for registered users)
• Give you at least 30 days before new terms take effect

Your continued use of the Services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

3. Eligibility

To use our Services, you must:

• Be at least 13 years old (or 16 years old in the European Union)
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Services under applicable law
• Not have been previously banned from using our Services

By using our Services, you represent and warrant that you meet all eligibility requirements.

4. Account Registration

4.1 Account Creation

Some features of our Services require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Not share your account credentials with others
• Notify us immediately of any unauthorized access

4.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorized use of your account.

5. Acceptable Use

5.1 Permitted Uses

You may use our Services for lawful purposes in accordance with these Terms, including:

• Accessing educational content and financial tools
• Creating and managing your personal account
• Saving bookmarks, calculator results, and learning progress
• Subscribing to our newsletter and communications
• Purchasing products or services we offer

5.2 Prohibited Uses

You agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit any material that is defamatory, obscene, threatening, or offensive
• Impersonate any person or entity, or falsely claim affiliation
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any part of our systems
• Use automated means (bots, scrapers) to access the Services without permission
• Introduce viruses, malware, or other harmful code
• Harvest or collect user information without consent
• Use the Services for any commercial purpose without authorization
• Circumvent, disable, or interfere with security features

6. Intellectual Property Rights

6.1 Our Content

The Services and all content, features, and functionality (including but not limited to articles, tutorials, calculators, software, text, graphics, logos, images, audio, video, and their design and arrangement) are owned by Success Central, its licensors, or content providers and are protected by copyright, trademark, patent, and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes. This license does not include the right to:

• Reproduce, distribute, or create derivative works of our content
• Use data mining, robots, or similar data gathering methods
• Use the Services or content for any commercial purpose
• Remove any copyright, trademark, or proprietary notices
• Frame or mirror any portion of the Services

6.3 Trademarks

“Success Central,” our logos, and other marks are trademarks of Success Central. You may not use these marks without our prior written permission.

7. User Content

7.1 Your Content

You may be able to submit, post, or share content through our Services (e.g., comments, forum posts, calculator data). You retain ownership of your content, but by submitting it, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display your content in connection with operating and improving the Services.

7.2 Content Standards

Your content must not violate these Terms or any applicable law. We reserve the right to remove any content that violates our policies or that we deem inappropriate, without prior notice.

8. Financial Tools and Calculators

8.1 Educational Purpose Only

The financial calculators and tools provided on our Site are for educational and informational purposes only. They are NOT intended to provide:

• Financial, investment, tax, or legal advice
• Recommendations to buy, sell, or hold any securities
• Guarantees of future performance or results

8.2 No Professional Advice

Calculator results are estimates based on the information you provide and general assumptions. You should consult with qualified financial, tax, or legal professionals before making any financial decisions. We are not responsible for decisions made based on calculator results.

9. Third-Party Links and Services

Our Services may contain links to third-party websites, services, or advertisements. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

The inclusion of any link does not imply endorsement by Success Central. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Purchases and Payments

10.1 Pricing

All prices are displayed in US dollars unless otherwise indicated. We reserve the right to change prices at any time. Price changes will not affect orders already placed.

10.2 Payment

Payments are processed through secure third-party payment processors. By making a purchase, you agree to pay all applicable fees and authorize us to charge your payment method.

10.3 Refunds

Our refund policy varies by product type. Digital products are generally non-refundable after access is granted. Please review the specific refund terms at the time of purchase.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT

We do not warrant that the Services will meet your requirements or that any defects will be corrected.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SUCCESS CENTRAL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or goodwill
• Cost of substitute products or services
• Any damages based on financial decisions made using our tools
• Unauthorized access to or alteration of your data

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE PAST 12 MONTHS, OR (B) ONE HUNDRED US DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnification

You agree to defend, indemnify, and hold harmless Success Central and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Services
• Your user content
• Your violation of any third-party rights

14. Termination

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Violation of applicable laws
• Conduct harmful to other users or the Services
• At our sole discretion

Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive termination will survive (including ownership, disclaimers, indemnity, and limitations of liability).

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

15.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If we cannot resolve the dispute informally within 30 days, either party may pursue legal remedies.

15.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in class actions.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Success Central regarding the Services.

16.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

16.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

17. Contact Us

If you have any questions about these Terms of Service, please contact us:

These Terms of Service were last updated on December 26, 2025.